Privacy Policy

Throughout this Privacy Policy (“Policy”), “Igloo Health,” “We,” “Us” or “Our” refers to Igloo Health LLC and its affiliates, DBAs and subsidiaries. “You,” “Yourself” and “Your” refers to you, the end user of Our website (and Our honored guest here in cyberspace).

Why We May Collect & Use Your Information

The personal information We collect may be used to:

provide You with Your requested products/services – this includes but is not limited to getting You insurance quotes, servicing & renewing Your policies, and helping You with insurance claims.

determine Your fit with carrier underwriting guidelines and eligibility for various products and services;

evaluate and improve the products and services We offer or may offer in the future;

communicate with You and respond to Your inquiries;

communicate with, service, and bill You as a client;

analyze claims or other data and administer claims;

obtain and update insurance or credit information with appropriate third parties, such as credit reporting agencies;

monitor accounts and the servicing thereof;

conduct employee and other training;

market products and services to You, with Your consent as necessary;

fulfill contractual obligations;

for additional purposes, with Your consent.

What Information do We Collect?

In order to provide the products and services described above, We may collect information that includes, but is not limited to, Your name, phone number, home address, work address, email address, date of birth, gender, marital status, financial data, and employment history. We may also collect business information and other sensitive information such as Your criminal background, corporate structure, property ownership, financials, and information relating to insurance or employee benefit programs.

Your Consent to Our Use of Your Data

When You provide us with personal and other information, You consent to Our collection, use, storage, and disclosure of this information to appropriate third parties for the purposes described herein and within Our Terms of Service. You may provide Us with personal information, and We may also collect or verify the same or similar information from Our affiliates and other third parties, such as employers, insurers, brokers or agents, credit agencies, departments of motor vehicle and driver licensing, financial institutions, healthcare providers, and other sources. If You provide personal information about other individuals, such as Your employees or dependents, You must first obtain their consent. You must provide only accurate information, and refrain from providing information that is not necessary or requested.

We also may collect information online when You visit Our websites or access Our Services from Your computer or other device, or interact with Us on or through social media.

Information You Submit to Us

In using Our Services, You may choose to communicate with Us by providing us with feedback, comments, questions, or proposals. In so doing, You agree that any content You submit to Us is not confidential or proprietary in nature, and does not impose upon Us any obligation or otherwise. Under no circumstance will Your submission of information obligate Igloo Health to pay You compensation. Any information You submit to Igloo Health immediately becomes Our property, and as such, We are entitled to use or disclose any such information at Our sole discretion, by any means or methods whether known now or in the future.

You may provide Your information as part of an attempted or completed request for a quote or offer for goods and services of a third-party vendor. In doing so, You agree to allow Igloo Health to use this information in any way consistent with the Terms of Service. When You submit contact information to Us as part of an attempted or completed request for a quote or offer for goods and services, You consent to receive telephone calls, emails, text messages, mailers, or other similar communications in connection with these goods and services. This is true even if Your phone number is on any “do not call” list.

Igloo Health’s Right to Contact You

You authorize Igloo Health to contact You with relation to Our Services and products if You expressly provide us with Your contact information in connection with Our Services or the products or services offered through Our Services. This authorization is without regard to any “do not call” list registry.

Website and Mobile

When We refer to “Website,” We are referencing any digital access to Our Services, including web, table, or mobile access to our Website and Our services.

You consent to the processing of Your personal information in accordance with this Policy by accessing and navigating Our website. This includes Igloo Health placing cookies on Your device, as described in the “Cookies” section herein.

We continually strive to improve our website offerings based on the information and feedback We receive from You. We aim to collect only a limited amount of personal information, such that We can best serve You and optimize Your online experience. In doing so, We may collect contact information about Yourself or others, including name, phone or mobile number, e-mail address, and postal address. We may also save information related to Your user name, password, and password reminder questions and answers. We collect information You enter or request while interacting with or on Our website. Igloo Health collects some information using automated technologies such as web server logs that compile IP addresses, web beacons, and cookies.

Cookies

Igloo Health collects information about how You use Our website by using cookies. A cookie is a small text file that is stored on Your device, either temporarily or permanently, and allows Us to recognize You, track Your preferences, and learn about how users interact with Our website. You can configure Your internet browser preferences to limit the acceptance and storage of cookies, but blocking all cookies may severely limit Your browsing experience on Our and other websites. You can learn more about cookies, how they work, and how to opt out of their usage here.

The cookies Igloo Health uses vary. Some of the cookies Igloo Health uses are necessary to allow users to navigate secure areas containing content for registered users. Igloo Health also uses functional cookies to gather information about user choices such as language, region, or other settings. Information gleaned from these functional cookies is usually anonymized and not used for non-functional purposes.

Igloo Health uses analytical services to determine the effectiveness of Our content, what interests Our users, and the functionality of Our Services. We also use web beacons-which are usually one-pixel electronic images inserted in web content or email messages, tracking pixels, and similar technologies to understand more about website visitors and count visitor numbers. Igloo Health utilizes performance cookies to track how many individual users visit Our website and how often they do so. While information gathered through web beacons, tracking pixels, and performance cookies are generally not used to personally identify any user, such data may be combined with other information to analyze personal website user information.

By using Igloo Health’s Services, You agree that We can place cookies on Your device as described herein.

Social Media

If You choose, You can interact with Igloo Health via social media websites, plug-ins, or applications. Your privacy settings on social media platforms determine the information made available to Us when You engage with via social media. Please refer to the privacy statements, settings, and help guides of these social media platforms to learn more.

User-Generated Content

Our Service may provide online forums through various potential functionalities, including messaging, comments, chat rooms, blogs, and other similar mechanisms, which may allow You its third-party business partners have any control whatsoever over the user-generated content contained in such a forum provided through Our Services, and therefore will bear no liability for the content’s accuracy, suitability, legality, or inoffensiveness. Igloo Health bears no responsibility or obligation to monitor user-generated content, but nevertheless reserves the right to remove or edit user-generated information for any reason whatsoever. Should You encounter any issues with user-generated content, please contact us immediately at info@test.igloo.health.

Accessing Our Website on Mobile Devices

If You access Our Services with Your mobile device, We may collect certain information automatically, including but not limited to Your mobile device’s unique device identification, IP address, mobile operating system, internet browsers in use, and location. We also may collect information about the way You use Our Services. Should You choose to provide Igloo Health with Your mobile phone number, You consent to the use of Your number for the purposes identified in Our Terms of Service. If You choose to receive text or other notifications from Us on Your mobile device, You also consent to the use of Your phone number for that purpose.

Third-Party Websites

Occasionally, at Our discretion, We may include or offer third party products or services on Our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of Our site and welcome any feedback about these sites.

Insurance-Related Business Partners

Igloo Health does not rent, sell or otherwise disclose personal information about You with unaffiliated third parties for their own marketing use without Your consent. We disclose personal and other sensitive information, as necessary, in providing Our products and services. In order to sell, solicit, and negotiate insurance, We may disclose Your information to insurers, reinsurers, insurance intermediaries, brokers, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, Our advisers, loss adjusters, lawyers, accountants, and others involved in the claims handling process.

Authorized Service Providers

Igloo Health may disclose Your information to Our service providers which are contractually restricted from using or disclosing Your information except as necessary to perform services on Our behalf or to comply with legal requirements.

Legal Requirements and Transfer of Company Ownership

We may disclose Your personal or other sensitive information if We are required to do so-or have the good faith belief that such action is necessary-to conform to the edicts of the law or comply with legal process served on Igloo Health, in response to law enforcement authority or other government official requests, when necessary or appropriate to prevent physical harm or financial loss, in connection with an investigation of suspected or actual illegal activity, or, in the event that Igloo Health is subject to a merger or acquisition, to the new owner of the business. Disclosure may also be required for company audits or to investigate a complaint or security threat.

Transfer of Your Information Across Geographies

Igloo Health may transfer certain personal or other sensitive information across geographical borders to Igloo Health entities or service providers working on Our behalf. We may also store Your personal or other sensitive information in a jurisdiction other than where You are based. By providing personal or other sensitive information to Igloo Health, You consent to this transfer, storage, and processing of data across borders. Igloo Health makes all such transfers according to applicable law.

Accessing and Updating Your Information. Igloo Health reasonably attempts to maintain accurate and complete records containing Your personal and business information. Additionally, You can update Your own information in a number of ways. You can update Your contact information online if You have created a profile or online account. If You signed up for electronic communications from Us, You can unsubscribe at any time, as We advise in the instructions included in that communication. You may modify Your web browser settings to accept or refuse cookies.

You may also contact Us via e-mail or the postal address listed in the “Contact Us” section at the bottom of this Policy. Please provide Your current contact information, describe the information You want to access, and Your requested changes. We will provide You access to the personal information requested, subject to reasonable limitations provided by law, and unless it violates third party privacy. Should We be unable to provide You with access requested, We will tell You why that is the case.

Your Obligations Regarding Your Information

If Your use of Our Services requires You to create a username or password, You agree and You acknowledge it is Your sole responsibility to maintain the security of Your username and password. You agree that Igloo Health shall not be held liable for any loss You may suffer as a result of the authorized or unauthorized use of Your username or password by a third party. You also agree to immediately notify us of any unauthorized use of Your account or any other breach related to Our Services, of which You become aware, by sending us an email at info@test.igloo.health.

We Do Not Intend to Collect Information of Children

We understand the importance at protecting the privacy of children. Our website is not intentionally designed for or directed at children, and We do not knowingly collect personal information from children on Our website.

Changes to this Policy

We may modify this Policy from time to time to reflect Our current privacy practices. The date this Policy was last updated may be found at the top of this page. We encourage You to periodically review this Policy so that You will be aware of Our privacy practices.

Contact Us

If You have any questions relating to this Policy or Your personal information that Igloo Health maintains, or wish to change the specific personal information You have provided, please contact us at the Igloo Health Privacy Office email at info@test.igloo.health, or by postal mail at: